Advertised monthly payment at Brookview Terrace assumes a down payment of 3% and a sales price of $249,900, including principal and interest only (taxes, insurance, HOA fees and other costs not included), and assumes borrower qualifies for an FHA 30-year mortgage of $242,403. Advertised monthly payment at Silverthorne assumes a down payment of 3% and a sales price of $336,240, including principal and interest only (taxes, insurance, HOA fees and other costs not included), and assumes borrower qualifies for an FHA 30-year mortgage of $326,153. Advertised monthly payment at Broadleaf assumes a down payment of 3% and a sales price of $359,615, including principal and interest only (taxes, insurance, HOA fees and other costs not included), and assumes borrower qualifies for an FHA 30-year mortgage of $348,827. Advertised monthly payment at Stonefield assumes a down payment of 3% and a sales price of $359,040, including principal and interest only (taxes, insurance, HOA fees and other costs not included), and assumes borrower qualifies for an FHA 30-year mortgage of $348,269.

All advertised monthly payments are based upon a 2/1 buydown paid by Pardee Homes resulting in an interest rate of 3.00% for year 1, 4.00% for year 2 and 5.00% for years 3-30 (up to 5.859% APR). Buyers qualify at the year 3-30 interest rate of 5.00%, and not all borrowers will qualify. Rates effective 5/3/08. Rates and terms subject to change without notice. Buyer must sign standard sales agreement after 4/29/08 and close escrow on or before 10/26/08 and follow the terms of the agreement.

This mortgage offer is only available through Countrywide Home Loans; however financing may be obtained through any other lender. This program is subject to underwriting guidelines which limit 3rd party contributions, and is available only for owner-occupied homes.

All square footage is approximate; pricing is subject to change. Landscaping, trees, shrubs and some hardscape not included in the purchase price. Information is accurate as of the date of the publication. Models do not reflect racial preference.

 Equal Housing Lender. ©2008 Countrywide Bank, FSB, Countrywide Home Loans Division. Member FDIC. Trade/service marks are the property of Countrywide Financial Corporation, Countrywide Bank, FSB, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. Countrywide and Pardee Homes are separate entities; each is independently responsible for its products and services.